Card Acceptance

What is Card Acceptance?

Card acceptance is a core feature of this payment gateway API, enabling businesses to process payments made via credit, debit, and prepaid cards seamlessly. By integrating this API, you can securely authorize and process card transactions for your customers while adhering to industry standards for payment security and compliance.

Ayoconnect's Card Acceptance APIs provide all the necessary endpoints for handling card transactions, including authentication, authorization, capture, and void operations. It also incorporates essential security features such as tokenization and encryption, ensuring that sensitive cardholder data is protected throughout the payment lifecycle. Additionally, it supports fraud prevention measures and is fully compliant with the Payment Card Industry Data Security Standard (PCI DSS).

Supporting a wide range of card networks, including Visa, Mastercard, and other major providers, this API allows you to offer customers a reliable and globally recognized payment method. By leveraging the card acceptance capabilities of the payment gateway API, you can provide a smooth and efficient checkout experience while expanding your business’s reach in the digital payments landscape.

Supported Cards

All cards with the following card brands are supported:

1. Mastercard

   • Mastercard is a globally recognized payment network, supporting credit, debit, and prepaid cards. It is accepted by millions of merchants worldwide and offers robust security features such as fraud detection and tokenization.

2. Visa

   • One of the largest global payment networks, Visa is accepted in over 200 countries and territories. It supports a variety of card types, including debit, credit, and prepaid cards, and is widely used by both consumers and businesses.

3. JCB

   • JCB is a leading payment network from Japan, offering credit, debit, and prepaid cards with global acceptance. Known for its strong presence in Asia, JCB provides secure transactions, exclusive benefits, and excellent customer service, catering to both local and international cardholders.

Customer Flow:

1. Customer checks-out a service/item on a merchant's platform
2. Customer selects "Cards" as the payment method during checkout.
3. Customer will then be directed to Ayoconnect page in the form of a webview
4. Customer will see Ayoconnect's card input form
5. Customer will be required to input the following information of their credit/debit card:
   1. Full Card Number
   2. Registered Cardholder's Name
   3. Card Expiration Date
   4. CVV number
6. Customer proceeds inputting the details, and performs an authentication step (i.e. 3DS)
7. Upon successful authentication, Ayoconnect will perform an authorization charge which will be immediately voided if successful. This step is to ensure that the card is valid to be used for payments
8. If a card is successfully authenticated and authorized, the customer will either be charged immediately and/or charged on a recurring basis, depending on the service/items purchased from the merchant platform
9. For future transactions, the customer may/may not be required to go through 3-DS for each payment, depending on the use case with the merchant platform